Pantaenius Australia Pty ltd. ABN 95 148 013 085 AFS Licence No. 410502 ('Pantaenius', 'We, Us'') is authorised to provide financial product advice
and deal in general insurance products. Any recommendations we make about the insurance is general advice only and does not take account of your particular needs and
circumstances. You should consider the relevant Product Disclosure Statement before making any decisions regarding the insurance policies we offer.
Information about remuneration (including commission) that we earn for the services we provide is included in our Financial Services Guide.
Underwriting criteria applies. Insurance is provided to approved applicants only. Terms, conditions and exclusions apply to cover.

**Pantaenius America Ltd. is a licensed insurance agent licensed in all 50 states. It is an independent corporation incorporated under the laws of New York and is a separate and distinct entity from any entity of the Pantaenius Group.